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Valley National Bancorp
Valley National Bancorp (VLY) investor relations material
Valley National Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved record Q4 2025 net income of $195.4M ($0.33 per diluted share); adjusted net income was $180.2M ($0.31 per share), up from $0.28 in Q3 2025 and $0.13 in Q4 2024.
Full-year 2025 net income reached $598M ($585M adjusted), reflecting improved balance sheet management, funding mix, and strategic investments.
Profitability surged in Q4 2025, with net income up 69% year-over-year and 20% sequentially, driven by NIM expansion and robust fee income growth.
Core deposits grew by nearly $4B (9% year-over-year), supporting profitability and capital returns via buybacks and dividends.
Strategic focus on talent, technology, and relationship banking drove customer engagement and operating account wins.
Financial highlights
Net interest income rose 10% year-over-year to $466.1M in Q4 2025, with NIM expanding to 3.17%.
Non-interest income for FY25 reached $262M, up from $226M in FY24, with Q4 2025 non-interest income at $76.3M.
Efficiency ratio improved to 53.5% in Q4 2025 from 57.2% in Q4 2024, with full-year expenses up 2.6% versus 9% revenue growth.
Tangible book value per share increased to $9.85 at year-end 2025; tangible common equity to tangible assets was 8.82%.
Annualized ROA was 1.24% (GAAP) and 1.14% (adjusted) in Q4 2025; ROATCE reached 14.2% (GAAP).
Outlook and guidance
2026 guidance: 4–6% loan growth, 5–7% deposit growth, and 11–13% net interest income growth, assuming two rate cuts.
Net charge-offs expected to normalize to 0.15–0.20% of average loans; provision for loan losses forecasted at $95–115M.
CET1/RWA targeted at 10.5–11.0%; NIM expected to exit 2026 above 3.30%.
Non-interest income projected to grow 6–9%, and non-interest expense 3–4.5% in 2026.
Management anticipates continued balance sheet growth and core profitability improvement in 2026.
Impact of adjustable rate loans on NIM?
Strategy for non-owner occupied CRE loans
Explain 30-59 day past due loan increase
Fixed-rate loan repricing impact on NIM
2026 capital deployment and buyback strategy
Strategic growth initiatives beyond loan pipeline
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Next Valley National Bancorp earnings date
Q1 202623 Apr, 2026
Valley National Bancorp
Next Valley National Bancorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Valley National Bancorp operates as the holding company for Valley National Bank that provides various commercial, retail, insurance, and wealth management financial services products. The bank accepts non-interest bearing and interest bearing checking and savings accounts; certificates of deposit; commercial loans, such as credit lines and secured commercial lines of credit; marketing loans, real estate term loans, business acquisition loans, equipment loans, residential construction loans, residential mortgage loans, home equity lines of credit, personal lines of credit. The company was incorporated in 1927 and is headquartered in New York, New York.
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